What Is the Main Difference Between MasterCard and Visa Credit Cards?

The primary difference between MasterCard and Visa credit cards for consumers is the number of places that accept each card. Other differences between the two credit card companies become important for individuals and businesses as their unique circumstances, including creditworthiness, come into play.

Visa and MasterCard are separate financial corporations that offer a variety of credit instruments to consumers, including basic credit cards. Each company has developed a network of outlets that accept their products. Visa has the more extensive network in the U.S. and abroad, so it's easier for a cardholder to use the card. MasterCard is a smaller company with a less extensive network. However, MasterCard has perceived advantages that offset its more limited network, including better customer service and larger lines of credit.